KEY-PL: the cash flow

Cash Flow Overview

Change in Cash

$195M

Free Cash flow

$1,428M

Unit: Million (M) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

Net income (loss)

1,319

Provision for credit losses

363

Depreciation, amortization, and accretion, net

Increase in cash surrender value of corporate-owned life insurance

Stock-based compensation expense

Deferred income taxes (benefit)

Proceeds from sales of loans held for sale

6,756

Originations of loans held for sale, net of repayments

6,935

Net losses (gains) on sales of loans held for sale

Net losses (gains) on leased equipment

Net securities and other investments losses (gains)

-6

Net losses (gains) on sales of fixed assets

Trading account assets

-311

Accrued income and other assets

Accrued expense and other liabilities

-694

Other operating activities, net

-522

Net cash provided by (used in) operating activities

1,490

Net decrease (increase) in short-term investments, excluding acquisitions

-4,170

Purchases of securities available for sale

6,517

Proceeds from sales of securities available for sale

Proceeds from prepayments and maturities of securities available for sale

4,976

Proceeds from prepayments and maturities of held-to-maturity securities

759

Purchases of held-to-maturity securities

868

Net decrease (increase) in other investments

120

Net decrease (increase) in loans, excluding acquisitions, sales and transfers

1,950

Proceeds from sales of portfolio loans

122

Proceeds from corporate-owned life insurance

Purchases of premises, equipment, and software

Proceeds from sales of premises and equipment

Net cash provided by (used in) investing activities

814

Net increase (decrease) in deposits

1,005

Net increase (decrease) in short-term borrowings

-795

Net proceeds from issuance of long-term debt

1,484

Payments on long-term debt

2,981

Employee equity compensation program common share repurchases

Net proceeds from reissuance of common shares

Net proceeds from scotiabank investment

Cash dividends paid

792

Net cash provided by (used in) financing activities

-2,109

Net increase (decrease) in cash and due from banks

195

Cash and cash equivalents at beginning of period

1,743

Cash and cash equivalents at end of period

1,938

Time Plot

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